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82 STATE OF AFFAIRS: MIDWEST » Kansas RANK: 34 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 2.15% 1.33% 5.1% YEAR AGO 2.33% 1.69% 5.5% YEAR-OVER-YEAR CHANGE -7.9% -21.5% -0.4% Top County LABETTE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.92% 3.67% YEAR AGO 2.39% 1.99% YEAR-OVER-YEAR CHANGE 21.9% 84.0% Top Core-Based Statistical Area PARSONS, KS 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.92% 3.67% YEAR AGO 2.39% 1.99% YEAR-OVER-YEAR CHANGE 21.9% 84.0% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Michigan RANK: 39 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 2.17% 1.03% 8.8% YEAR AGO 2.73% 1.57% 9.0% YEAR-OVER-YEAR CHANGE -20.6% -34.1% -0.2% Top County OSCEOLA COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.08% 2.19% YEAR AGO 2.08% 2.21% YEAR-OVER-YEAR CHANGE 0.3% -1.0% Top Core-Based Statistical Area COLDWATER, MI 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 3.05% 2.06% YEAR AGO 3.07% 2.65% YEAR-OVER-YEAR CHANGE -0.7% -22.3% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Minnesota RANK: 46 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 1.33% 0.80% 4.6% YEAR AGO 1.58% 1.39% 5.5% YEAR-OVER-YEAR CHANGE -15.8% -42.2% -0.9% Top County RENVILLE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 1.74% 2.67% YEAR AGO 1.23% 2.91% YEAR-OVER-YEAR CHANGE 42.2% -8.3% Top Core-Based Statistical Area NEW ULM, MN 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.36% 1.63% YEAR AGO 1.82% 0.83% YEAR-OVER-YEAR CHANGE 29.4% 97.2% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Minnesota www.MinnesotaREO.com 612-669-6324 952-829-2938 763-432-7640 612-821-7500 952-844-1511 763-533-9133 651-209-8444 Bruce McAlpin Jeff Detloff Long H. Doan Maribel Garcia Garth Johnson Craig Murphy Michael Olsen IN THE NEWS United Wholesale Ranks No. 1 Among Wholesale Lenders in Q3 United Wholesale Mortgage (UWM), one of the nation's fastest-growing wholesale lenders, has good reason to celebrate going into 2014: e company was ranked on MortgageStats.comas the No. 1 wholesale lender in the country for the third quarter of 2013. According to a release from UWM, it was the first time the lender was able to take the top spot for wholesale origination volume in its history. "We've been intensely focused on getting our business to this level of growth from the beginning," said Mat Ishbia, president of the Michigan-based firm. "Our hard work, along with the trust and valued business of our brokers, has now officially catapulted us to the number one spot." e company attributes its achievement to its wide range of innovative offerings, which in 2013 saw the addition of UWM Connect, the Income Calculator, free customizable marketing, and the newly released Flex Term, among others. Also a factor in UWM's growth is the way the company approaches customer service, Ishbia said. "We developed a unique business model in how we interface with our brokers that is completely driven by a highly service- oriented approach to customer service that clients laud as being second-to-none," he commented. Michigan RE/MAX Real Estate Professionals- Grand River 517-999-2675 office / 517-999-4061 fax Peter@PmacHomes.com email www.PMacHomes.com Ranked # 119th in the United States out of 1.3 Million agents for 2012 by The Wall Street Journal 06/29/2013 RE/MAX Hall of Fame, ABR, e-Pro, SFR, QSC, Five Star, Equator Platinum Certified Peter MacIntyre Associate Broker/ Owner The average age of inventory in Minneapolis-St. Paul in December 2013 was 86 days, according to Realtor.com. KNOW THIS

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